Privacy Policy

Apex Institute of Business & Finance (“Apex IBF”, “we”, “our”, “us”) values your privacy and is committed to protecting the personal data you share with us. This Privacy Policy explains how we collect, use, and safeguard your information when you use our website, www.apexibf.org, our learning platforms, and related services.

By using our website or services, you agree to the practices described in this Privacy Policy. If you do not agree, please discontinue using our website.

Information We Collect

We may collect the following types of information depending on how you interact with us:

• Personal details: Name, email address, phone number, CNIC (where required), and postal address.
• Academic information: Course enrollment details, progress records, and exam data.
• Payment information: Transaction details (processed securely via our payment partners such as banks, Easypaisa, JazzCash, or other third-party gateways). Apex IBF does not store sensitive card/payment data on its servers.
• Communications: Records of your correspondence with us through email, WhatsApp, Google Forms, or Google Classroom.
• Technical information: IP address, browser type, device details, operating system, and activity logs for security and analytics.

2. How We Use Your Information

Your information is used to:

• Register you for courses and manage your student account.
• Process tuition fee payments and issue receipts.
• Provide access to online classes, recordings, LMS, and learning materials.
• Communicate with you regarding admissions, classes, and academic support.
• Send you updates about new courses, events, or promotions (only with your consent).
• Improve our website and services through analytics and monitoring.
• Comply with legal, regulatory, and tax obligations.

3. Cookies and Tracking

Our website uses cookies to enhance your browsing experience. Cookies may be used to:

• Remember login details and preferences.
• Improve performance and personalize your experience.
• Monitor website usage for analytics and security.

You may disable cookies in your browser settings, but some features of our website may not work properly without them.

4. Sharing of Information

We do not sell or rent your personal data to third parties. Your information may only be shared with:

• Payment providers to process secure transactions.
• Service providers such as Google (Google Classroom, Drive, Forms), Zoom, or WhatsApp, used for delivering our services. These providers operate under their own privacy policies.
• Legal authorities if required to comply with applicable law or to protect Apex IBF’s rights and property.

5. Data Retention

• Student records (enrolment, payments, and course progress) are retained for as long as necessary to provide services and meet legal/tax obligations.
• Comments, queries, or communications may be stored indefinitely for reference, unless you request deletion.
• Login/account information is retained until you request account closure.

6. Your Rights

You have the right to:

• Request access to the personal data we hold about you.
• Request correction of inaccurate or incomplete data.
• Request deletion of your data, unless retention is required for legal or regulatory purposes.
• Withdraw consent for marketing communications at any time.

To exercise your rights, please contact us at info@apexibf.org.

7. Data Security

We take reasonable technical and organizational measures to protect your personal data, including:

• Secure servers and password-protected systems.
• Restricted access to personal information.
• Encryption and secure payment gateways.

However, no method of transmission over the internet is completely secure, and Apex IBF cannot guarantee absolute protection.

8. International Users

If you access our website from outside Pakistan, please note that your data will be processed in accordance with Pakistani law. If you are located in the EU or other regions with strict data laws (e.g., GDPR), additional rights may apply.

9. Children’s Privacy

Our services are primarily intended for students aged 16 and above. If we become aware that we have collected personal data from a child under 16 without parental consent, we will delete it promptly.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. The updated version will be posted on this page with a revised “last updated” date. Please review this policy periodically to stay informed.

11. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy, please contact us at info@apexibf.org.